The OFT doesn't say it's ok to charge £12.-. You claim for the full amount. Do you still have all those letters? Did you sign anything that said you'd agreed to a final settlement? If not: You could still claim back what you say they owe you and subtract the amount they have already refunded. I don't know about Scotland. I would recommend you read a bit more in the relevant section of the forum and the FAQ part. Also: Post any questions you have in your thread, so people who have experience with the same bank can help you better. I hope I clarified things a tiny little bit for you. I'm no expert, either,

Clydesdale are now giving maestro to all account holders including basic accounts. We set up 2 accounts as parachutes and they told us that they were now giving maestro cards. Its not advertised but handy if you thought you were gonna be stuck with a visa electron card

"Competition in UK Banking: A Report to the Chancellor of the Exchequer" Found this while wondering aimlessly though the internet. It seems to be from a reasonably reliable source (ok Gordon's Treasury ). Note this is a report from March 2000. The entire report can be accessed here. Taken from Chapter 7 (pdf): Unfortunate they didn't list certain other costs but still useful to someone here I'm sure

oh she must be so disheartened. may i offer a few suggestions for when she gets her new job (which she will). firstly join a union. ( i did this when i was having trouble with my boss, best thing about it is that i didnt go through works union i contacted usdaw personally and joined myself, the money didnt come out of my wage so my boss never knew) if she has any problems at all. even the slightest one. write them down. she needs to write down, who said what, date, time, any responce from herself, and how it made her feel. i did this for 6 months and when my boss gave me a disiplinary for having a miscarriage (that wa

Well I don't know the legalities, but the judge knows you are not a professional accountant. It is up to the banks to provide a more accurate figure is they want to contest it. I'm sure the judge would have to be very harsh to hold it against you to be honest.

Spot on mate. Keep me updated tomorrow, i'll be at work so will have all the exact info to hand if need be.

Yes you can, but you may not get anything back! be prepared for them to say you're not entitled but they may give you a refund, alternatively quotes can be kept for 6 months with some companies so you may be able to change in january under the same quote, good luck

Hi, Rachel, welcome to the forum. The absolute quantity of advice and information on the site can seem a little daunting. SO.......lets be logical. First of all, send a Data Protection Act S.A.R - (Subject Access Request) letter to your bank, to get details of all transactions on your account. Click on this link for Data Protection Act letter....... http://www.consumeractiongroup.co.uk...t-subject.html Don't forget to enclose £10 fee. They will probably return the £10, but if you don't send it, the bank will use it as an excuse to delay compliance. By law, the bank has 40 days to comply with a S.A.R - (Subject Access Req

Hiya Heaven sent. Welcome to the forums. First of all, send a Data Protection Act S.A.R - (Subject Access Request) letter to your bank, to get details of all transactions on your account. Click on this link for Data Protection Act letter....... http://www.consumeractiongroup.co.uk...t-subject.html Don't forget to enclose £10 fee. They will probably return the £10, but if you don't send it, the bank will use it as an excuse to delay compliance. By law, the bank has 40 days to comply with a S.A.R - (Subject Access Request) letter. That was the easy bit...... now it's time for you to do some work. Read and re-read the

Phone or pop in to the county court your case is allocated to, and explain the situation to them - double check that they have recieved your AQ, etc After that, it's a case of filing for judgement against Lloyds as it appears they have failed to return their AQ. Either that, or your CC is very behind on cases!

Its only claimed when you go to court. I know i thought that about the spreadsheets too but they are clever. Everytime you open it the balance updates and when you go to close it it asks if you want to save changes which will be the updated balance.

Hello Datxman, I can go one better, I hope you don't mind Account Enquires 0115 8433936 or 0800 9525150 Customer Services 0115 9938002 or 0800 9522255 I get free landline calls so I found these.

After sending the Prelim letter you need to wait 14 calendar days unless they respond before then and then send in the LBA letter. Hope this helps, need any other help then just shout.

...and indeed up to the day the claim is settled...

You can't. Send a PM to one of the moderators.

hi there, different banks take different times for sending statements. unfortunatley the whole process can sometimes take a long time. even months. so hang tight, if you have lots of claims going on at the moment you dont want to get to bogged down with everything. so chill lisaxx

Hi You can just write to them and ask for your old details if you want. They probably won't tell you over the phone. If you don't want to tell them why you want the number say something like you're being inspected by the taxman and you need all your old accounts for him. Or if you're brazen enough just say that you're suing for the return of your misappropriated money!!! Get the phone no/address from the website. HTH kessik

Hooray!!!!!!! Got full offer in the post this morning. Faxed the acceptance back- also going to post a copy

Ask for EVERYTHING they hold on you - a Full Disclosure Subject Access Request. This includes notes, transaction histories, evidence of manual intervention - the lot. By law they are obliged to provide everything they hold on you that is relevant to you (so they may not give details about a joint account for example...) They will tell you, for certain, that all details older than six years will have been destroyed. Clearly this destruction is a processing of your data, and as such they should provide evidence and notes of this also. The reality is that you will get six years worth of statements, little to no notes, and not much else

I think the best thing about adding conractual interest as it means Lloyds' tactic of dragging their heels as much as possible works completely in our favour I don't know how they get away with abusing the court system like they do. They know they'll have to settle yet they waste the court's time over and over again by leaving it to the last minute.

Low and behold I go to open a joint bank account which was refused !! I had only just taken a mortgage out for nearly £160k 2 months ago so something drastic must have happened ....they have stuck a default notice against me so everyone can see !! Here goes letter number 4... 3rd August 2006 Recorded Delivery Account: xxxxxxxxxxxxxxxxxxxxx Dear Sir/Madam To date you have yet to reply to any of my correspondence which has been sent via recorded delivery. After recently obtaining a copy of my credit file from Equifax I am concerned to note that your company has placed a "Default" notice against an account in my name.

But the general concensus (sp?) of opinion is that you should open a parachute account, and start putting payments and DD's through there, just in case, better safe than sorry, although if your loan is coming out of your abbey account then transfer the money in there every month to cover it

In plain english .. they where trying to tell me that I was unable to talk about the letter they had sent me as they had marked it ' without prejudice , in confidence etc etc ' when in fact this was totally untrue ,I had signed no confidentiality agreement and NEVER would , so as has already been explained above they are not allowed to mislead on points of law and the law society would take a dim view of it.

For those that have looked at their statements and may be wondering, what can i claim for?, and why are the descriptions confusing?, what about the overdraft interest is that claimable aswell? wonder no more. you can claim for anything which is deemed a penalty charge, which includes: returned direct debits, card mis-use, unpaid standing order, unpaid item, exceeding your overdraft, overdraft interest (see below), total charges (see below) notifed fees Unauthorised overdraft arrangement fees (more will be added as and when confirmation is found) you can not claim for: ATM (cash machine) usage (typica

the accounts being closed is of no relevance, and as such the 40 days still stands, dont worry about it